One account for people who earn in one country and live in another. Get paid in minutes, earn on the balance while it sits, and spend it wherever you are — in an account we cannot freeze.
Plugs into the rails the world already uses
One balance. Receive however your client pays.
Your pay lands in minutes.
It earns while you sleep.
You spend it wherever you are.
One account for people who earn in one country and live in another.
Everything in one account
Most people running a life across borders end up with a bank, a broker, a rewards app and a wallet, and move money between all four. HOLD is the four of them sharing one balance.
Account details your employer recognises, and an address for everyone else. However the money was sent, it lands in the same balance within minutes.
$5,000.00
Interest paid to your Savings balance
Move any part of your balance into Savings and it starts earning that day, on-chain, through Aave. It never stops being yours — every withdrawal is signed on your device.
Portfolio
$12,480
Everything you hold that isn't a dollar sits in one place, with live prices and the cost basis beside them. Rebalance from your balance — no exchange account, no transfer out.
HiPoints for the things you already do in the app, and somewhere real to spend them. Book a stay or top up data and pay straight from your balance.
A day · Earn globally · Live locally
07:14 · morning
Your @username, your balance, your accounts. Nothing to pick, nothing to top up. Just money.
09:32 · midday
Two taps to change one currency into another, at the rate you were shown. The first $500 you move each month is on us.
13:07 · afternoon
It lands in minutes, at an address nobody can tie to the last one. You see a clean list of what came in. Nobody else sees anything.
50,000+ global earners already on HOLD
On App Store and Google Play. Set up in 30 seconds.
Under the hood
You can use everything above without reading a word of this. It is here because the difference between HOLD and a banking app is real, and you deserve to know where it comes from.
Sign in with Face ID or Google. The account is created on your own phone and the key stays there — every payment is signed on the device, by you. We never hold your money, and we could not move it if we wanted to.
Device biometrics plus an encrypted backup, so you can recover on a new device by signing in. How that backup works is spelled out in Section 5.1 of our Terms.
Pay anyone, and never pick a network to do it — we work that part out. Sent it to the wrong person? You have five seconds to take it back.
Cross-chain routing handled for you · Gasless on Solana · 5-second Undo Send.
Every network charges a fee to move money across it. We pay it for you on the first $500 you convert each month, up to $0.10 a time — you do not need to hold anything to cover it, and there is nothing to top up.
Powered by Jupiter. Above the cap: real network cost + 0.50%, shown as one combined Network fee. No hidden spread.
Side by side
Your bank
HOLD
Receiving from abroad
3–5 business days. $25–40 wire fee. FX markup hidden in the rate.
Minutes. Stablecoins land 1:1 with the dollar. Zero fees on receive.
What the balance earns
Close to nothing, and only if you lock it for a year.
Move it to Savings and it earns from that day. Take it out whenever.
Moving across borders
Compliance forms. Limits. Calls.
A username. A tap. Done.
Cost to move it
1.5–3% spread, buried in the rate.
First $500/month free. 0.5% above the cap, all-in, shown before you tap.
Custody of your money
They hold it. They can freeze it.
You hold it. The key is on your phone. We can't touch it.
When you travel
Card declined. App requires home wifi. Support closed.
Same balance. Same app. Same speed. Anywhere.
Built for
If your income lives on the internet and your rent doesn’t, HOLD was built around your week.
Lucía
Product designerBuenos Aires → Lisbon
Figma · Linear · paid in dollars
“Receives client invoices. Pays rent in EUR.”
Akin
Backend engineerLagos · works for a US fintech
Cursor · Vercel · paid in USD ACH
“Lands USD, holds in stablecoins, cashes out NGN when he chooses.”
Mai
Micro-SaaS founderHo Chi Minh City
Stripe · Polar · revenue in USD
“Stripe pays out monthly. Stablecoins make a treasury possible at $4K MRR.”
Mateo
Creative directorMexico City · clients in NYC and London
Wise · invoices in USD and GBP
“Three currencies, one balance, no spread he can't see.”
Priya
VibecoderBangalore · ships AI products on weekends
Claude · Replicate · revenue in dollars
“Makes money in the same rails her stack runs on.”
Sasha
Remote PMTbilisi · employed by a Berlin scaleup
Deel · Notion · paid in EUR
“Splits the paycheck across rent, savings, and a travel pocket.”
How it works · 30 seconds
No paperwork, no approval queues, no bank visit. Three steps to receive, hold and move your money.
Nothing to write down. Your wallet is created on your phone, and an encrypted backup means you can sign in on a new device and pick up where you left off. Only you can sign a transaction.
Receive via virtual USD account (IBAN/SWIFT) for employers and clients, or share your stablecoin address with crypto senders. Either way it lands as stablecoins.
Send to a @username in seconds. Move part of the balance into Savings and it starts earning that day. Split the rest across pockets — Travel, Rent, whatever your month looks like.
The honest version
Free isn’t a trick. It’s a different business model. We make money on infrastructure, not on the people sitting on it.
01
Move more than $500 in a month and what you convert above that carries 0.5% all-in, shown before you tap. The people who move the most pay for the network fees we cover for everyone else.
02
Money you move into Savings earns interest. We keep a share of that interest and you keep the rest. We never take a cut of the balance itself — if it earns nothing, we earn nothing.
03
When the HOLD Card launches, every payment pays us a small fee from the merchant — not from you. The same way Apple Pay and Revolut work, minus the bank in the middle.
What we don’t do: sell your data, route your trades through hidden spreads, or lend out your stablecoins behind your back. Self-custody means we couldn’t even if we wanted to.
One plan. Zero surprises.
Savings, investing and benefits are all included. No hidden spread, no tier games.
Invite a friend: when they swap $50 or more, you get 2,500 HiPoints and they get 1,000. Up to 3 rewarded invites. Terms
AI layer · coming soon
The four products above, without the menus. Ask for it — “send 200 to Lucía,” “split this paycheck 60/30/10,” “move my savings to whatever pays most” — and it happens. Nothing moves until you approve it.
Your key never leaves your phone. The assistant proposes; every payment is signed by you.
The first $500 is on us. Every month.
No setup fees. No KYC for basic use. No bank required.
We’re building HUSD — the first stablecoin designed for people who earn in one country and live in another. Newsletter subscribers get early access and priority onboarding when we launch in 2027.
Available on App Store and Google Play
Get paid, earn on the balance, invest what’s left and spend it — in one app. Set up in 30 seconds.
Self-custodial. No KYC for basic use. Available worldwide.